A system and method for digital smart wallet communications that operates by managing separately-owned, private blockchains to reduce processing times, eliminate proof of work burdens, and retain blockchain immutable security while allowing protection of confidential information contained on each blockchain. The system and method may further comprise auditability of blockchains, and may be operated on an integrated communications platform that allows seamless interoperability of communication devices across multiple modes of communication, and automates digital smart wallet transactions.

A blockchain system is disclosed. A blockchain system according to one embodiment includes a plurality of nodes for communicating with each other through a distribution network and communicating with a blockchain client device outside the blockchain system, wherein each of the plurality of nodes can be configured to process transactions occurring in the blockchain system, collect vote items included in the transactions and including an account address corresponding to any one of the plurality of nodes, and elect, as a block generator, at least one of the plurality of nodes on the basis of the collected vote items. Other various embodiments identified through the specification are possible.

In some embodiments, exemplary user interfaces for provisioning an electronic device with an account are described. In some embodiments, exemplary user interfaces for providing usage information of an account are described. In some embodiments, exemplary user interfaces for providing visual feedback on a representation of an account are described. In some embodiments, exemplary user interfaces for managing the tracking of a category are described. In some embodiments, exemplary user interfaces for managing a transfer of items are described. In some embodiments, exemplary user interfaces for managing an authentication credential connected with an account are described. In some embodiments, exemplary user interfaces for activating a physical account object are described. In some embodiments, exemplary user interfaces for managing balance transfers are described.

Methods and systems for a browser extension system are disclosed. In some embodiments, a browser extension server includes a communication device configured to communicate with a first computing device executing a browser extension application and a web browser application and a second computing device executing an authentication application. The browser extension server further includes a memory storing instructions, and a processor configured to execute the instructions to perform operations. The operations may include receiving from the first computing device an indication of a financial service account associated with the first computing device, detecting a payment field in a web page provided by the computing device through the web browser application and, in response, generating a secure token mapped to the financial service account. The operations may further include sending the second computing device an authentication request, receiving an authentication response, and populating the payment field with the secure token.

There are provided systems and methods for a preloaded digital wallet token for networkless transaction processing. A user may utilize a communication device while shopping at physical merchant locations, such as retail storefronts, where the communication device may provide transaction processing services through a mobile application executing on the communication device. The communication device may provide transaction processing services through the application in an offline environment by utilizing a preloaded digital token having encrypted data, for example, where the communication device loses network connectivity. The encrypted data may include information necessary to resolve transaction processing by a merchant device receiving the token from the communication device. Moreover, the encrypted data may include limitations on use of the token for transaction processing, such as location limitations and/or transaction amount or time limits. The token may also be updated when the communication device reconnects to a network.

Systems, methods, computer-readable media, and apparatuses to securely generate barcodes. In one example, an application may receive a request to generate a barcode. The application may read encrypted data generated by a contactless card and transmit the encrypted data to a server for verification. The server may verify the encrypted data and generate an encrypted authentication token. The server may transmit the encrypted authentication token to the application. The application may provide the encrypted authentication token to the contactless card. The contactless card may generate the barcode using the encrypted authentication token.

A device facilitating script deployment through service provider servers includes at least one processor configured to receive, from a service provider, a request to perform a transaction directly with a device secure element on which a credential is provisioned, where the request includes a credential identifier corresponding to the credential. The at least one processor is further configured to identify, based at least in part on the credential identifier, the device secure element. The at least one processor is further configured to verify that the service provider is authorized to interact directly with the device secure element. The at least one processor is further configured to instruct, responsive to the verifying, the device secure element to communicate directly with a service provider server to perform the transaction. The at least one processor is further configured to receive, from the device secure element, a result associated with the transaction.

A method for controlling a near field communication between a device and a transaction card is disclosed. The method includes the steps of capturing, by a front-facing camera of the device, a series of images of the transaction card and processing each image of the series of images to identify a darkness level associated with a distance of the transaction card from the front of the device. The method includes comparing each identified darkness level to a predetermined darkness level associated with a preferred distance for a near field communication read operation and automatically triggering a near field communication read operation between the device and the transaction card for the communication of a cryptogram from an applet of the transaction card to the device in response to the identified darkness level corresponding to the predetermined darkness level associated with the preferred distance for the near field communication read operation.

Embodiments of the invention relate to systems and methods for provisioning and using a multi-purpose device. The device contains information regarding a plurality of memberships. The device contains one or more membership certificate chains, comprising multiple certificates, wherein a membership provider certificate is signed by a private key associated with a membership root certificate authority, and wherein a member certificate is signed by a private key associated with the membership provider certificate. The member certificate includes member attributes regarding the user, such as member benefit information. The device also includes a payment certificate chain, comprising multiple certificates, wherein a payment provider certificate is signed by a private key associated with a payment root certificate authority, and wherein a payment certificate is signed by a private key associated with the payment provider certificate. The payment certificate includes payment attributes regarding the user, such as a payment account.

A payment method by a processing server to process payment that is independently performed between a user equipment and a payment channel server is provided. The method includes: generating, by the processing server, a payment order bound to a merchant order generated by a merchant device by determining a corresponding item ID, of a service and/or a product for purchase, that is registered with the payment channel server, the merchant order corresponding to the service and/or the product provided by the merchant device; obtaining, by the processing server, a payment voucher corresponding to the payment order; matching, by the processing server, based on the payment voucher, the merchant order bound to the payment order; and transmitting, by the processing server to the merchant device, based on the matched merchant order, a service/product providing notification for providing the service and/or the product to the user equipment.